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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $209,236 | $165,381+26.5% | $149,730+39.7% | $158,966+31.6% |
| Participation rate | 78.6% | 84.6%-6.0pp | 82.5%-3.9pp | 82.0%-3.4pp |
| Annual return | 21.64% | 348.29%-326.7pp | 276.70%-255.1pp | 302.95%-281.3pp |
| Employer contribution / active EE | $716 | $5,104-86.0% | $4,645-84.6% | $4,762-85.0% |
| Participant deferral / active EE | $9,103 | $7,182+26.7% | $6,843+33.0% | $5,983+52.2% |
| Admin fee / account holder | $1,334 | $10,809-87.7% | $9,310-85.7% | $11,250-88.1% |